Compare 1993 Mazda Protege Car Insurance Rates

I can’t think of anyone who likes paying for car insurance, particularly when they are paying too much.

You have so many insurance companies to insure vehicles with, and although it’s a good thing to have a choice, lots of choices makes it harder to compare rates and find the lowest cost car insurance.

You should make it a habit to get comparison quotes occasionally since prices tend to go up over time. If you had the best rates on Protege insurance a year ago the chances are good that you can find a lower rate quote today. Ignore everything you know about car insurance because you’re about to find out the tricks you need to know to get good coverage at a lower rate.

Find hidden discounts on insurance coverage

Buying insurance coverage is not cheap, but there’s a good chance there are discounts that may help make it more affordable. Most are applied at the time you complete a quote, but some must be manually applied before being credited. If you check and find you aren’t receiving every discount you deserve, it’s possible you qualify for a lower rate.

  • Telematics Data – Drivers who agree to allow their insurance coverage company to analyze when and where they use their vehicle by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they exhibit good driving behavior.
  • Pay Upfront and Save – By paying your entire bill at once rather than paying in monthly installments you can avoid monthly service charges.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have several vehicles with one company can reduce rates for all insured vehicles.
  • Organization Discounts – Being in a qualifying organization may earn a discount on your policy.
  • Student in College – Kids living away from home attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Life Insurance Discount – Insurance companies who offer life insurance give a break if you buy some life insurance too.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can stop better under adverse conditions and therefore earn up to a 10% discount.

A quick disclaimer, some credits don’t apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

To see insurance coverage companies who offer cheap insurance coverage quotes, click here.

The quickest method we recommend to get rate comparisons is to realize most insurance companies allow for online access to give you rate quotes. To get started, all you need to do is give them rating details such as daily mileage, whether you have decent credit, how old drivers are, and the make and model of your vehicles. Your details is then sent to all major companies and they return quotes with very little delay.

Find lower-cost insurance with these tips

An important part of buying insurance is that you know a few of the rating criteria that help determine the level of your policy premiums. If you understand what determines premiums, this enables informed choices that could help you find big savings.

The factors shown below are a few of the things that factor into premiums.

  • Decrease insurance rates by maintaining coverage – Letting your insurance expire can be a sure-fire way to increase your renewal premiums. Not only will you pay more, getting caught without coverage might get you fines and jail time. You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Liability insurance – The liability section of your policy kicks in if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability provides legal defense starting from day one. It is affordable coverage compared to physical damage coverage, so do not cut corners here.
  • Having a spouse is a good thing – Walking down the aisle can actually save you money on your insurance bill. Having a significant other means you’re more responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Pleasure use saves money – The more you drive your Mazda every year the more you’ll pay to insure it. The majority of insurers apply a rate based on how the vehicle is used. Cars and trucks left parked in the garage cost less to insure than vehicles that are driven to work every day. It’s a good idea to make sure your insurance policy correctly shows the correct usage. Having the wrong rating on your Protege can result in significantly higher rates.
  • Better drivers pay less – Careful drivers get better prices as compared to careless drivers. Getting just one speeding ticket or other violation can bump up the cost twenty percent or more. Drivers who get dangerous tickets such as DUI or willful reckless driving may find that they have to to file a SR-22 with the DMV in their state in order to keep their license.
  • City dwellers may pay more – Living in areas with lower population is a positive aspect when it comes to insurance. Urban drivers have more auto accidents and longer commute times. Less people living in that area translates into fewer accident claims and also fewer theft and vandalism claims.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation might need professional guidance.

  • Do I need special endorsements for business use of my vehicle?
  • Is a blown tire covered by insurance?
  • Is my teen driver covered when they drive my company car?
  • Am I covered when pulling a rental trailer?
  • How can I get my company to pay me more for my totalled car?
  • Why am I required to buy high-risk coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance coverage specifics

Knowing the specifics of your insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Liability coverages

This coverage will cover damages or injuries you inflict on other people or property. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as funeral expenses, bail bonds, emergency aid and structural damage. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Collision insurance

This coverage covers damage to your Protege from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, hail damage, theft, a broken windshield and damage from flooding. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mazda Protege.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses like dental work, ambulance fees, rehabilitation expenses, X-ray expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Be a penny pincher

As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. Too many times, an insured cut physical damage coverage only to find out that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Cheaper 1993 Mazda Protege insurance can be purchased on the web as well as from independent agents, so you need to shop insurance with both to have the best rate selection. Some insurance providers may not offer rate quotes online and these regional insurance providers only sell through independent insurance agents.

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